Help with debt collectors for those who are unsure of their rights or perhaps feel harassed is important in South Africa for people who have creditors sending people to repossess their car or house or demanding money. Even if you are in the unfortunate position of the bank threatening to repossess your car or your home you are still protected by the law and the bully image and attitude of many SA debt collectors really carries no weight. They rely heavily on their threatening image and words which are often false and lies, they will also never dare physically harm you or your property.
Many now have bad debt problems and need help with debt collectors that are known as rogue agents that are not registered with the council. There is a whole code of conduct that these people have to ascribe to and it is law that they are members of the debt collectors council. Even if they have been authorised by a bank like ABSA, Nedbank, Standard Bank or FNB, they cannot simply enter your property if the gates are locked or the doors locked, they are then breaking the law and trespassing. A court order is needed for them to be able to repossess a car or house and if one is not presented you have every right to refuse to hand over your vehicle or house keys.
If you feel like you are being harassed by them you can file a complaint against them and it is stated in the code of conduct that if you are phoned more than three times a week, that is harassment. If you tell them not to phone you at your place of employment and they continue to do so, that is harassment. An individual with financial problems has far more rights than they may realise and it is not necessary to back down and accept everything and hand over all they demand. At the end of the day no matter how big and bad they look they are not going to get physical with you so get to know your rights from the code of conduct which will help put you in a stronger position for obtaining help in dealing with debt collectors, especially if you are in the position of having your car or house repossessed by the bank.